制度效率是研究军人保险制度的重要方法,制度的制定和执行是影响军人保险制度效率的重要环节。目前,军人保险制度在业务衔接、险种设置、适用范围、权利设置、监督维护等方面还存在一些问题和不足。要优化军人保险制度设计,增强军人保险制度的科学性、执行力和约束力。 Institutional efficiency is an important method to study the insurance system of military personnel. The formulation and implementation of the system is an important part of the efficiency of the military insurance system. At present, there are still some problems and deficiencies in the military insurance system in connection with business operations, the establishment of insurance types, the scope of application, the establishment of rights, and the supervision and maintenance. We should optimize the design of the military insurance system and enhance the scientific, executive and binding military service.